IFSC Code of Bank of Baroda, Balkunje Branch, Karnataka

Below are the complete branch details for Bank of Baroda, BALKUNJE branch, located in DAKSHIN KANNAD, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is BARB0DBBALK. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BARB0DBBALK for Bank of Baroda – BALKUNJE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Bank of Baroda's BALKUNJE branch, the IFSC BARB0DBBALK breaks down as follows: BARB identifies the bank, 0 is the reserved character, and DBBALK identifies this particular branch.

Branch details at a glance

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Balkunje branch in Dakshin Kannad. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, BARB0DBBALK.

About the Balkunje branch

The Balkunje branch of Bank of Baroda is situated at DENA BANK BALKUNJE BRANCH LOBO TOWERSNR PANCHAYATH OFFICE BALKUNJE PO MANGALORE MANGALORE DAKSHINA KANNADA KARNATAKA 574154. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code BARB0DBBALK is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Bank of Baroda's BALKUNJE branch came to be assigned the code BARB0DBBALK.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC BARB0DBBALK, money simply cannot be routed to the BALKUNJE branch electronically.

How to transfer money using IFSC BARB0DBBALK

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC BARB0DBBALK across all three.

How to use IFSC BARB0DBBALK for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's BALKUNJE branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BARB0DBBALK.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as BALKUNJE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BALKUNJE

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's BALKUNJE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0DBBALK while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda BALKUNJE (IFSC BARB0DBBALK)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0DBBALK in your mobile or internet banking app, and the money is credited to the BALKUNJE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Balkunje

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC BARB0DBBALK:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at BALKUNJE is still linked to IFSC BARB0DBBALK.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC BARB0DBBALK

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Bank of Baroda – BALKUNJE is still mapped to IFSC BARB0DBBALK. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC BARB0DBBALK and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Balkunje branch is mapped to IFSC BARB0DBBALK on the RBI payments network. The branch generally supports the full retail product catalogue of Bank of Baroda, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains BARB0DBBALK.

Banking services available

The Balkunje branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-1800223344.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC BARB0DBBALK

MICR & cheque-truncation details

Cheques drawn on the Balkunje branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0DBBALK for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC BARB0DBBALK

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the BALKUNJE branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC BARB0DBBALK is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Bank of Baroda – BALKUNJE:

• The IFSC is exactly BARB0DBBALK with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Bank of Baroda as the bank name and BALKUNJE as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Balkunje branch

The branch is located at DENA BANK BALKUNJE BRANCH LOBO TOWERSNR PANCHAYATH OFFICE BALKUNJE PO MANGALORE MANGALORE DAKSHINA KANNADA KARNATAKA 574154, which puts it inside Dakshin Kannad, the broader Dakshin Kannad district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Balkunje branch” — the verified location pin for IFSC BARB0DBBALK should appear at the top of the results.
2. Confirm the branch is open by calling 22-1800223344 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC BARB0DBBALK and your account number.

Verifying IFSC BARB0DBBALK from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm BARB0DBBALK by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-1800223344.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Balkunje branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0DBBALK, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0DBBALK is the IFSC code of Bank of Baroda, BALKUNJE branch, in DAKSHIN KANNAD, KARNATAKA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.